In this episode, Kim McGinley shares how years spent inside specialist banks shaped her understanding of lender challenges and how she leads a growing team without losing trust, standards or balance.

The conversation explores resilience through market change and why sticking to what you’re genuinely good at matters more than chasing growth for its own sake.

Kim McGinley is the Director and Specialist Broker at Vibe Finance, a multi award winning brokerage specialising in commercial and residential property finance. With over a decade spent working inside specialist banks, Kim brings a strong process led approach and a clear focus on doing finance properly.

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🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

Email y...

What exactly is property deal sourcing, and why are so many investors using it to grow faster in today’s market?

In this episode of Property People, Saam sits down with Reshma Thakore and Hav Singh to discuss how they transitioned from running a successful estate agency to building a nationwide deal sourcing platform. They explain what deal sourcing really is, how it compares to traditional investing, and why sourcing can often generate income faster than buying property yourself. They shared the system behind how deals are found, qualified, and matched to the right investors.

Reshma Thakore and Hav Singh are the co-founders of Sitefindr, bringing together years of experience from estate agency and deal sourcing. They previously built and run an award winning estate agency in South London. They now focus on helping sourcers and investors work together more effectively.

This episode is sponsored by Ronald Fletcher Baker LLP, an established UK law firm with decades of experience advising clients on property matters. From purchases and lease extensions to enfranchisement and more complex disputes, their property team is known for giving straightforward, practical advice that cuts through the noise. Recognised by the Legal 500 and trusted for their responsive, hands-on approach, they focus on making the legal side of property feel clear and manageable.

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

Email y...

This conversation opens up the side of property most investors prefer not to think about. Rudi walks through the real patterns he sees from investors and developers, from misunderstood leases to forgotten deadlines, and why the most successful operators move fast but with absolute clarity. He also explains how litigation actually works, what it really costs, and why a smart strategy can unlock profitable sites that most people walk away from. If you want to grow a portfolio with fewer surprises or confidently take on more complex opportunities, this episode gives you the thinking that sits behind the best investors.

Rudi Ramdarshan is a highly regarded property litigator with over 20 years of experience acting in major commercial and property disputes. He is a Partner at Ronald Fletcher Baker LLP. He is recognised in the Legal 500 as a leading individual and is known for his tactical approach, clear communication, and deep technical understanding of property law. He works with developers, landlords, and international investors on everything from lease issues to complex multi jurisdiction cases.

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

Email y...

In this episode, Saam Lowni sits down with Andy Reid, the former Sales Director at TAB and one of the UK’s most trusted lenders in property finance. With over 35 years in financial services and experience across GB Bank, Interbay, TFG Capital and more Andy shares what makes a great lender, how to survive downturns and why most new lenders fail.

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

Email y...

We sit down with Hardeep Toor to talk about his hybrid approach to mixed use property development.

Hardeep has dedicated 10+ years as a Chartered Quantity Surveyor at Balada Group and overseen £20M+ successful projects. Alongside his development work, Hardeep founded AssetsWise, where he mentors investors who want to navigate commercial conversions and HMOs with confidence. Specialising in commercial to residential (C2R) and HMO conversions, his work has earned multiple accolades, including Mixed Use Development of the Year 2024 at the International Property Awards and Property Developer of the Year 2024 at the Property Investors Awards.

In this episode, Hardeep shares:

• How he transitioned from quantity surveying to property development
• His strategy for creating hybrid developments that hold value
• What commercial valuations really look like in mixed use projects
• The current state of HMOs in the UK market
• Key differences between commercial and HMO tenants

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This episode is proudly sponsored by AssetsWise. It's founder, Hardeep, has been involved in construction for more than a decade. He specializes in providing hands on, one to one guidance so you can derisk your projects. Hardeep designed his mentoring program to cut out all the fluff and get straight to the execution. So whether you're struggling with your first commercial to residential appraisal or looking to scale your portfolio with a hybrid strategy of HMOs and commercial conversions, AssetWise is there for you to provide everything that you need from advanced deal appraisals to construction advice to raising private finance planning and permitted development rights. Everything under one roof on a one to one basis.

https://assetswise.co.uk/
https://www.instagram.com/harv_property
https://www.linkedin.com/in/htoor/

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

Email y...

Jamie Pritchard is the Sales Director at MS Lending Group, a specialist lender in Manchester founded in 2021 by Michael Stratton, which has grown into a key player in short term bridging finance for residential and commercial properties.

Bringing over 20 years of experience, Jamie joins us to discuss the real limits of artificial intelligence in short term lending. He explains why his team relies on AVMs and desktop valuations to deliver 70+ deals monthly, yet draws a firm line at full AI underwriting.

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

Email y...

🚨 Need a £250k+ property loan? Merryoaks helps developers and investors get their deals funded quickly and efficiently. Start here → https://zurl.co/DXAi8
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In this episode, we sit down with Ruban Selvanayagam, the co-founder of the UK's leading 'Sell House Fast' company, Property Solvers. A seasoned professional cash homebuyer and auctioneer. Ruban has been helping homeowners and investors achieve fast sales and ethical solutions in complex situations.

Ruban dives deep into his non linear career path and the ruthless but fascinating world of fast property buying. He shares how he navigated the 2008 crash, used creative finance to build a portfolio during turbulent times, and reveals what most investors get wrong about buying below market value. From ethical challenges to lessons learned through “lemons,” this conversation offers a raw, transparent look at what it takes to survive and thrive across multiple market cycles.

🔗 Connect with Ruban on LinkedIn: https://www.linkedin.com/in/rubanselva/

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

Email y...

🚨 Need a £250k+ property loan? Merryoaks helps developers and investors get their deals funded quickly and efficiently. Start here → https://zurl.co/DXAi8
______________________________________

In this episode, ⁨Saam Lowni sits down with Sean Land, a UK property investor with a £10 million portfolio through single lets, HMOs and care homes.

With a background in banking and over 20 years of experience, Sean shares how he transitioned from a corporate career to becoming a full time investor. He breaks down the mindset behind building real wealth in property from adding value and thinking long term, to really understanding the numbers behind each deal.
______________________________________

MORE CONTENT ON INSTAGRAM! 🧠

📲 Follow Property People on Instagram:   / propertypeoplemedia  

_______________________________________

This episode is brought to you by Merryoaks. 

Merryoaks provides growth-based property finance advisory for investors and developers with the aim of helping you fund your next project and be part of your ongoing growth to bigger, better, and more aspirational deals.

Find out more about Merryoaks here: https://zurl.co/Yi8AV

_____________________________________

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

Email y...

🚨 Need a £250k+ property loan? Merryoaks helps developers and investors get their deals funded quickly and efficiently. Start here → https://zurl.co/DXAi8
______________________________________

In this episode, Saam Lowni speaks to Ravinder Badyal, the Director of Structured Property Finance at MT Finance. Rav breaks down how deals are really structured, the red flags lenders spot early and what separates a fundable deal from a bad one. He has decades of experience working with developers, brokers, and private investors and shares real insight into how lending decisions are made. This is a must watch for anyone who wants to learn what it takes to build success.

______________________________________

MORE CONTENT ON INSTAGRAM! 🧠

📲 Follow Property People on Instagram:   / propertypeoplemedia  

_______________________________________

This episode is sponsored by Merryoaks.

Merryoaks provides growth-based property finance advisory for investors and developers with the aim of helping you fund your next project and be part of your ongoing growth to bigger, better, and more aspirational deals.

Find out more about Merryoaks here: https://zurl.co/Yi8AV

_____________________________________

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

Email y...

🚨 Need a £250k+ property loan? Merryoaks helps developers and investors get their deals funded quickly and efficiently. Start here → https://zurl.co/DXAi8
______________________________________

In this episode, Saam Lowni speaks with Adam Lawrence, a well known figure in the UK property space with a portfolio of over 600 properties. Adam shares how he went from beating fruit machines to becoming a successful investor, and gives his honest take on strategy, what investors should be wary of and the problems with property education schemes. He even calls out Samuel Leeds! 
______________________________________

MORE CONTENT ON INSTAGRAM! 🧠

📲 Follow Property People on Instagram:   / propertypeoplemedia  

_______________________________________

This episode is sponsored by Merryoaks.

Merryoaks provides growth-based property finance advisory for investors and developers with the aim of helping you fund your next project and be part of your ongoing growth to bigger, better, and more aspirational deals.

Find out more about Merryoaks here: https://zurl.co/Yi8AV

_____________________________________

🔥GET MORE VALUABLE PROPERTY CONTENT!🔥

Subscribe to our channel to never miss a conversation with a property pro!🧠

Get the latest property industry insights and convos in your inbox every month📩

📲 Follow Property People on Instagram.📲👇


🗣️ HOSTED BY: Saam Lowni

Saam has 20 years of experience in residential & commercial property, sales, lettings, management and finance. Saam was a founding member of a Property Finance Provider which grew its fund from £0 to £300m. He also founded Merryoaks Property Finance in 2021 to provide bespoke property finance to investors & developers and launched Property People in 2018 to connect with investors and developers across the country to share valuable information and stories.

🔗 Saam's LinkedIn
📲 Saam's Instagram
📲 Property People on Instagram

📣 GUESTS & SPONSORSHIP 📣

Are you a property professional with something interesting to share? Would you like to sponsor an episode and get your business in front of our audience of property investors & developers?

Email y...